Homeowner’s insurance policies are designed to cover you and your home for most damage, including water damage. Water damage is covered when it is sudden and accidental; however, some damage to the house can be caused by a sewer backup. Luckily, sewer backups are considered sudden and unexpected, meaning the damage caused by the blockage is covered by your homeowner’s insurance. 

If you live in Plano, TX and wonder if your policy covers sewer backups, call the Paragon Independent Insurance Agency experts. 

Does Homeowners Insurance Cover a Sewer Backup? 

Your homeowner’s insurance policy should cover a sewer backup if you had specific sewer backup coverage included as an endorsement within the policy. This insurance coverage pays for damages associated with sump pump failures, tree roots, pipelines, and other causes related to a sewer backup. 

Top Causes of Sewer Backups

Many things can cause your sewer to back up, and when it happens, it can create a mess and damage your personal property. Some top causes for sewer backups include: 

• Sump Pump Failures: This is the leading cause of sewer backups because the sump pump is responsible for removing and disposing of water, preventing your basement from flooding. 
• Outdated Sewer Systems: When sewer systems get old and obsolete (40 years or older) can cause the sewer system to fail, crumble, or fall apart, causing a backup in your home. 
• City Pipelines: Sometimes, city pipelines get flooded and backed up during storms. Additionally, city sanitary blockages can cause a backup if not detected and fixed in time. 
• Tree Root Blockage: Tree roots are powerful and determined to get to a water source. Sometimes the roots penetrate sewer systems, which can cause a backup. 

It is very affordable to add sewer backup coverage to your homeowner’s policy in Plano, TX. Call the Paragon Independent Insurance Agency experts for more information about this additional coverage for homeowners insurance policies. 

When you own a home, it’s important to cover that home well so that your investment in it is protected.  Home insurance comes with a few different types of coverage that all work together to keep you well protected. To find out more, call us today at Paragon Independent Insurance Agency in Plano, TX. 

Covering Your Home

Part of your home insurance is coverage for the home itself. This includes every part of the dwelling and covers you for a wide variety of disasters, accidents and calamities. When there is a major incident that causes damage to your home, your policy can pay for it to be repaired or rebuilt. This is valuable coverage that protects the massive investment you have made in your home. 

Covering Liability

There are many ways that someone could be injured in your home or on your land, and home insurance covers those possibilities. When someone is injured on your property, you may be liable for their medical bills. As most of us know, medical bills can be extremely high. That makes liability coverage one of your most important types of home coverage. 

Insurance for Your Possessions

Your home itself is not the only thing that you have invested a lot of money into. All of the belongings that are in your home are also an investment that should be protected. With home insurance, you will have some protection for all of your possessions that are inside it. If an accident, disaster or other incident damages or destroys some of your belongings, your policy can help you to repair or replace them. 

Get Your Home Insurance Policy

When you own a home, home insurance is an absolute must. To get a home insurance policy of your own, call us at Paragon Independent Insurance Agency in Plano, TX.

Maneuvering insurance can be tricky with the many policies available on the market. Unfortunately, most homeowners in Plano, TX, may not be aware of the different types of home insurance at their disposal, leading to making the wrong choice. Below, Paragon Independent Insurance Agency takes you through the different types of home insurance you need to know about.

Basic Form /HO-1

This policy provides coverage of your home’s structure, including the garage, appliances, and home features such as carpeting. It covers situations like fire, lightning, theft, explosions, and vandalism.

Broad Form/ HO-2

It helps cover your home and personal belongings. Some things covered here include burning or cracking of some household systems, accidental damage from an electrical current, and accidental overflow of water in the house.

Special Form/ HO-3

The HO-3 is a common type of homeowners insurance policy covering your home, personal property, and liability against things like vandalism, lightning strikes, fire and smoke, and theft.

Contents Broad Form/ HO-4

It is also commonly referred to as standard renters’ insurance. It helps protect one’s personal belongings against various perils like hail and windstorms, electrical current damage, and explosions. Some policies cover additional living expenses that can help you in case you have to move out of your home temporarily. The rental unit is not covered here, and the landlord is required to get a separate insurance policy to cover the unit’s structure.

Comprehensive Form/ HO-5

This type of home insurance covers your home, personal belongings, medical payments for other people, and additional living expenses. It is an open-peril policy covering all things not excluded in your policy. Typical exclusions are things like earth movement and intentional loss.

Unit-owners Form/ HO-6

Commonly referred to as condo insurance policy, it helps cover items inside your condo unit. Condo residents are responsible for everything within their walls, while the condo association has a separate insurance policy covering external parts of the building and common grounds.

Mobile Home Form/ HO-7

Covers manufactured or mobile homes like RVs, sectional homes, trailers, and modular homes. The policy provides cover against risks like theft, smoke, and vandalism.

Modified Coverage Form/ HO-8

This type of insurance protects older homes. However, compensation for covered damage is paid in cash. Significant houses like historical landmarks or homes built with methods and materials not common today are included in this type of insurance.

To enjoy the benefits of the different types of home insurance, residents of Plano, TX, can reach out to Paragon Independent Insurance Agency for assistance.

As a Plano, TX, homeowner, you must have a lot of questions about homeowners insurance. This is expected as your home probably your most valuable investment, and losing it can throw you into financial ruin. Having a good insurer like Paragon Independent Insurance Agency will help alleviate most of your worry as they will be thorough about their offers and your options. Here is an insight into the most common homeowners insurance F.A.Qs. 

Does Homeowners Insurance Protect from Damage Caused by an Insured Driver Ramming into Your Home? 

Though you are not the cause of the damage incurred on your home, most insurers will cover this kind of damage. The damage will be listed as a covered peril, and you can expect compensation not long after you file your claim. If the damage extends to your vehicle, you should also contact your auto insurer. They will guide you on what they need to compensate you for the damage to your vehicle. You can sue the driver of the vehicle to get more financial recourse for your loss. 

What Kind of Water Damage Does Homeowners Insurance Cover? 

Water damage to a home is a pretty common occurrence in Plano, TX. This is likely why you are very curious about what kind of water damage is covered under your homeowner’s insurance policy. You should know that a standard homeowners insurance policy does not cover water damage caused by flooding. In insurance circles, flooding is when water from a water body leaks into your home. Most of the other water damage caused by broken pipes and unclosed water faucets will likely be covered. 

Are You Protected from Lightning Damage? 

Your standard home insurance policy offers protection from damage done to your home by lightning. Some insurers like Paragon Independent Insurance Agency will also cover fires caused by lightning and damage to electronics. You want to get an insurer that offers the most comprehensive home protection under their homeowner’s insurance policy.

If you’ve more questions about home insurance in Plano, TX, reach out to us for answers.